Sun Health Senior Living Benefits Book 2017-2018

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Welcome to Your Benefits
Sun Health Senior Living continues to demonstrate its commitment to all employees by offering a comprehensive
benefits package that protects individual health, wellbeing and financial security. We believe that our success is due, in
large part, to the efforts of our most valued resource, our employees. We keep this in mind every year when evaluating
our employee benefits programs. This communication summarizes Sun Health Senior Living’s health and welfare benefit
plans effective July 1, 2017 through June 30, 2018.
We are pleased to announce that our medical coverage will remain with Aetna for the 2017-2018 plan year. Sun Health
Senior Living will continue to contribute the majority of the employee only premium. In addition, dental, vision, life and
disability benefits will be available through Aetna as well. If you are a new employee, or newly enrolling for benefits, or
changing your enrollment status by adding or removing dependents, you must complete online enrollment using the
Employee Self-Service (ESS) portal at
Sun Health Senior Living is excited to offer company-paid life insurance to all benefits-eligible employees, and the benefit
amount is $30,000.
Sun Health Senior Living is also delighted to announce that employee contributions will remain the same as the
2016-2017 plan year.
Questions
If you have questions after reading this summary and reviewing the information provided by the insurance carriers,
please contact Human Resources. Remember that the best decisions are based on a thorough understanding of the
plans. This guide is an overview of the benefit plans and should not be construed as a Summary Plan Description,
Certificate of Coverage or Plan Document, and should not be relied upon to fully determine coverage. For each benefit
elected you will receive a Certificate of Coverage containing more detailed information from the insurance carrier. If
differences exist between this summary and the Certificate of Coverage, the Certificate governs.
Important Information Regarding Plan Changes
Each year during annual open enrollment, you have the opportunity to make new benefit plan elections for the coming
plan year. All eligible employees who wish to make any benefit changes must complete online enrollment by the
stated enrollment deadline date. Changes to your benefits are allowed only at open enrollment each year. Per IRS
rules, employees cannot drop or add coverage for yourself or your dependents during the plan year unless you have
a qualifying change in family status such as loss of benefits under another plan, marriage, divorce, legal separation,
birth, adoption or placement for adoption, or change in spouse’s eligibility or coverage. If you have a qualifying change
in family status and want to make any changes to your coverage, you must request this change within 31 days of the
qualifying event (e.g. within 31 days of marriage or divorce, within 31 days of date of birth, within 31 days of loss of
coverage under another plan, within 31 days of expiration of your COBRA coverage) by completing online enrollment.
It is your responsibility to notify HR of a qualifying event. Per IRS rules, if you waive or terminate coverage on
July 1, 2017 you will not be able to enroll in the Sun Health Senior Living plans until July 1, 2018 unless you have a
qualifying change in family status.
Pre-Tax Premiums
Sun Health Senior Living allows employees to pay for medical, dental, and vision plan premiums as well as contributions
to a flexible spending account (FSA) on a pre-tax basis. This allows you to save money because the premiums are
deducted from your paychecks prior to income taxes being withheld, which reduces the net cost of your insurance
coverage.
Benefit Plan Eligibility
Employees must be considered full time and work a minimum of 30 hours per week to be eligible for coverage. New
employees become eligible for coverage on the first of the month following 60 days of full-time employment. You must
complete the required ESS enrollment online for the plan or plans you have selected by the required new hire enrollment
deadline for coverage to become effective.
You can enroll the following dependents in your benefit plans: Medical, dental & vision plan: Your legal spouse, or your
dependent children up to age 26.
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PLEASE NOTE: The deductibles and out of pocket maximums on each plan are administered on a calendar year basis .
It is very important that you utilize providers (doctors, hospitals, labs, clinics, etc.) in the Aetna network, or you will pay
substantially more to utilize the out-of-network benefits. You can find providers in the Aetna network by going to
selecting Aetna/Banner JV Network or by calling Aetna customer service at (855) 586-6957.